How to get insurance through the ACA Health Insurance Marketplace

How to Get Health Insurance Through the ACA Health Insurance Marketplace with Aura Insure

The Affordable Care Act (ACA) has made health insurance more accessible and affordable for millions of Americans. One of the key tools in expanding access to health coverage is the ACA Health Insurance Marketplace, where individuals and families can find and compare affordable health insurance options. With the help of Aura Insure, navigating the Marketplace can be simple and stress-free.

Are You Eligible for a Health Insurance Marketplace Plan?

The Health Insurance Marketplace is open to a wide range of people. To be eligible for a plan through the Marketplace, you must meet the following criteria:

- You must live in the United States.

- You must be a U.S. citizen or national (or be lawfully present). Learn more about eligible immigration statuses.

- You cannot be incarcerated (in prison or jail).

There is no income limit for enrolling in a Marketplace plan. Whether you need coverage for yourself or your family, Aura Insure can help you determine your eligibility and guide you through the process.

Benefits of Marketplace Health Insurance

Under the Affordable Care Act (ACA), you are entitled to several patient protections when you enroll in a Marketplace plan:

- No Denial Based on Pre-existing Conditions: Insurers cannot deny you coverage based on your gender or any pre-existing medical conditions.

- No Lifetime or Annual Limits: Your plan will not have any lifetime or annual limits on coverage for essential health benefits.

- Extended Coverage for Young Adults: Young adults can remain on their family's health insurance plan until they turn 26.

At Aura Insure, we help you understand these benefits so you can make informed decisions about your healthcare coverage.

How Much Does Health Insurance Cost Through the Marketplace?

The cost of your Marketplace health insurance plan depends on several factors, including where you live, your household income, and the size of your family. The primary cost you’ll pay is the premium, which is the monthly amount you pay to keep your insurance active.

However, you may also be responsible for other out-of-pocket costs when you receive medical care. These costs may include:

- Deductibles: The amount you pay before your insurance starts covering services.

- Coinsurance: Your share of the cost for a service after you’ve met your deductible.

- Copayments: A set fee you pay for a specific service, such as a doctor's visit.

At Aura Insure, we can help you estimate your annual health insurance costs and find a plan that fits both your healthcare needs and budget.

How to Enroll in a Marketplace Health Insurance Plan

The Health Insurance Marketplace offers a wide variety of health insurance plans, which may cover not only medical services but also dental and vision care. All Marketplace plans must cover essential health benefits, which include preventive services, emergency services, maternity care, and prescription drugs.

To get started, visit Healthcare.gov to find your state's Health Insurance Marketplace. Each state may have its own specific instructions for enrolling.

During the Marketplace Open Enrollment Period, you can:

- Choose a new plan if you’re enrolling for the first time.

- Renew your current plan.

- Make changes to your existing Marketplace plan.

- Switch to a new plan if needed.

If you experience a qualifying life event—such as moving, getting married, or having a baby—you may be eligible for a Special Enrollment Period. In addition, you may qualify for a Special Enrollment Period if your household income falls below a certain level.

Get Help with Enrollment from Aura Insure

At Aura Insure, we understand that finding the right health insurance can feel complex, but we are here to guide you every step of the way. Whether you're applying during the Open Enrollment Period or need help with a Special Enrollment Period, we’ll help you find a plan that meets your healthcare needs and budget.